I shop your mortgage across lenders, so you don't have to.
I'm , a licensed mortgage agent in Ontario. Buying, renewing or refinancing, I'll compare your options from banks, credit unions and alternative lenders, explain them in plain English, and handle the paperwork through to closing.
Tell me what you're working on.
Send me a few details and I'll get back to you personally within one business day with your options and a clear next step.
- Asking costs nothing and won't affect your credit
- You'll deal with me directly, not a call centre
- Your information is kept private and never sold
What I can help with
Every mortgage is different. These are the situations I help with most, but if yours isn't listed, ask anyway.
First-time buyers
Find out what you can afford before you start looking. I'll get you pre-approved, hold a rate while you shop, and walk you through down payment options like the FHSA and RRSP Home Buyers' Plan.
Ask about thisRenewals
Your renewal letter isn't your only option. I'll compare it against what other lenders will offer and move you if it saves you money. Switching at renewal is usually simple and penalty-free.
Ask about thisRefinancing
Use your home's equity for a renovation, an investment or a big life change, usually at a far lower rate than other kinds of borrowing.
Ask about thisDebt consolidation
Roll credit cards, car loans and lines of credit into your mortgage so you have one lower payment and a real plan to get ahead.
Ask about thisSelf-employed
Business owners and contractors often get turned down by the big banks. I know which lenders look at self-employed income fairly and how to present yours.
Ask about thisInvestment properties
Financing for rentals and multi-unit properties, using rental income to help you qualify, with an eye on your next purchase.
Ask about thisPrivate and second mortgages
When the banks say no or the timing is tight, short-term private financing can bridge the gap. I'll always lay out the costs and the plan to get back to a regular lender.
Ask about thisHELOCs and reverse mortgages
Flexible lines of credit secured by your home, plus reverse mortgage options for homeowners 55 and over.
Ask about thisWhy I started Cashmore Mortgages
Most people get their mortgage from whichever bank they already use. They sign the renewal letter that shows up in the mail and never find out what else was out there.
I started to give people a better way to do it. I work for you, not for a lender. I compare what's available, tell you honestly what I'd do in your position, and stay with you through closing and every renewal after that.
"The lowest rate isn't always the best mortgage. Penalties and flexibility matter just as much."
You deal with me
From the first call to closing day, you have my cell number. No hand-offs and no call centre.
Options, not a sales pitch
A bank can only offer its own products. I can show you several lenders side by side and explain the differences, including the fine print.
Help with the hard files
Self-employed, new to Canada, or some bumps in your credit? I know which lenders are a good fit and how to put your application together.
No cost to you on most mortgages
For most residential mortgages, the lender pays me when your mortgage funds. If there's ever a fee, you'll know in writing before you commit.
From first call to keys in hand
We talk
A quick call about your goals, income and timeline. I'll tell you what's realistic.
You send documents
I'll send you a short checklist. Everything can be uploaded and signed online.
I shop lenders
I compare offers, negotiate and bring you the best options, usually within a few days.
We close
I work with your lawyer and realtor right through to funding day.
Estimate your monthly payment
For illustration only. Uses Canadian semi-annual compounding. Doesn't include mortgage insurance, property tax or fees.
Common questions
Have a question that isn't here? Call or text me. No question is too basic.
Where I work: Toronto and the GTA in person, including Mississauga, Brampton, Vaughan, Markham, Oakville and Durham Region, and anywhere in Ontario by phone or video.
Does it cost anything to work with you?
For most residential mortgages, no. The lender pays my fee when your mortgage funds. Private and some specialty mortgages can involve a fee, and if yours does, I'll tell you in writing before you commit to anything.
How much do I need for a down payment?
For homes under $1.5 million, the minimum is 5% of the first $500,000 and 10% of the amount above that. Homes priced at $1.5 million or more need at least 20% down. If you put down less than 20%, you'll need mortgage default insurance.
Can I get a 30-year amortization?
First-time buyers and buyers of newly built homes may qualify for 30 years on an insured mortgage. With 20% or more down, many lenders offer 30 years too. I can show you how much it changes your payment.
Will a pre-approval hurt my credit?
There's one credit check, which can have a small, temporary effect. I pull your credit once and use it with several lenders, which is better than applying at different banks yourself.
I'm self-employed. Can I still get a mortgage?
Yes. Some lenders specialize in self-employed borrowers and look at your business income differently than the big banks do. I'll help you gather the right documents.
Should I just renew with my bank?
Compare first. Renewal offers often aren't the best rate a lender has. Switching lenders at renewal is usually easy and has no penalty.
How long does it take?
Pre-approvals usually come back in one or two business days. A full approval on a purchase usually takes a few business days once I have your documents.